Cheapest 2007 Chevrolet Impala Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Finding the cheapest insurance for a Chevy Impala can normally be an all-consuming task, but you can follow our insurance buying tips to save time.
There is a right way and a wrong way to shop for insurance and we’ll show you the absolute fastest way to price shop coverage for your Chevy and get the lowest possible price.
You need to do rate comparisons before your policy renews due to the fact that insurance rates change quite often. Even if you think you had the lowest rates for Impala coverage a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re about to find out the tricks you need to know to find the best coverage while lowering your premiums.
Factors influencing Chevy Impala insurance rates
It’s important that you understand the factors that come into play when calculating your insurance coverage rates. Having a good understanding of what influences your rates helps enable you to make changes that can help you get better insurance coverage rates.
- Don’t skimp on liability – Liability coverage is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
- Are you male or female? – Statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Both sexes cause accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like DUI and reckless driving.
- Credit scores impact insurance coverage rates – Having a bad credit history is a huge factor in determining what you pay for insurance coverage. If your credit rating is not that good, you could pay less to insure your 2007 Chevrolet Impala by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.
- Marriage pays dividends – Having a spouse can get you a discount on your insurance coverage policy. Having a significant other means you’re more responsible and it’s statistically proven that married drivers get in fewer accidents.
- Cautious drivers pay less – Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even one moving violation can boost insurance rates twenty percent or more. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
- Adjust deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Chevy from damage. Examples of covered claims could be collision with another vehicle, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket before your insurance coverage pays a claim. The more you’re willing to pay, the less your insurance coverage will be for Impala coverage.
- Do you have a high stress job? – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as doctors, social workers and financial analysts tend to have higher average rates due to high stress and long work days. Conversely, professions such as actors, engineers and homemakers receive lower rates for Impala coverage.
- Older drivers save more – Teen drivers are known to be more careless when behind the wheel so insurance coverage rates are higher. Older insureds are viewed as being more responsible, file fewer claims and are safer drivers.
Take discounts and save
Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Most are applied when you complete an application, but less common discounts must be specially asked for before being credited. If you don’t get every credit available, you’re paying more than you need to.
- Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
- Save over 55 – Mature drivers can possibly qualify for reduced rates for Impala coverage.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
- Organization Discounts – Affiliation with certain professional organizations could trigger savings when buying car insurance for Impala coverage.
- Life Insurance – Larger companies have better rates if you take out life insurance.
- Low Mileage – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
- Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Impala coverage than less cautious drivers.
- Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up over the internet.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
Drivers should understand that most of the big mark downs will not be given the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will reduce your premiums.
Which policy gives me the best coverage?
When buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.
These are some specific questions may help you determine if your situation might need an agent’s assistance.
- Do I pay less if my vehicle is kept in my garage?
- Am I covered when using my vehicle for business?
- Is my teenager covered with friends in the car?
- Can I afford to buy a different vehicle if my 2007 Chevy Impala is totaled?
- Is other people’s property covered if stolen from my vehicle?
- How can I get my company to pay me more for my totalled car?
- Do I get a pro-rated refund if I cancel my policy early?
- Does my insurance cover my expensive audio equipment?
- What should my uninsured motorist coverage limits be in my state?
- Will I lose any money if I cancel my policy before it expires?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Auto insurance coverage breakdown
Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Liability car insurance – This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as pain and suffering, medical services, structural damage, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2007 Chevy Impala.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Comprehensive (Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like vandalism, hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, doctor visits, surgery and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Collision – Collision insurance pays for damage to your Impala resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a building, colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.
Have the Midas touch
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at a price you can afford.
Insureds switch companies for a number of reasons such as questionable increases in premium, not issuing a premium refund, denial of a claim or lack of trust in their agent. It doesn’t matter why you want to switch finding the right auto insurance provider is pretty easy and you might even save some money in the process.
You just learned a lot of ways to shop for 2007 Chevy Impala insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest rates come from some of the lesser-known companies.
To read more, take a look at the articles below:
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
- Red Light Cameras (State Farm)
- Teen Driver Licensing Information (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)
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